Wheatland, WY · Cert 23318
FDIC
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Wheatland, WY · Cert 23318
FDIC
Q1 2013
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 1.13% | 1.13% | 1.11% | 1.22% | 1.22% | 1.18% | 1.09% | -2 bps | |
| Return on Equity | 12.60% | 13.68% | 13.44% | 12.33% | 13.35% | 13.44% | 12.96% | 11.91% | -42 bps | |
| Net Interest Margin | 3.58% | 3.72% | 3.65% | 3.52% | 3.52% | 3.54% | 3.44% | 3.24% | -28 bps | |
| Efficiency Ratio | 57.97% | 56.33% | 56.66% | 57.47% | 55.82% | 55.62% | 56.56% | 59.25% | +178 bps | |
| Non-Interest Burden | 1.93% | 1.94% | 1.90% | 1.78% | 1.66% | 1.67% | 1.66% | 1.66% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.73% | -0.71% | -0.79% | -2.81% | 0.85% | 3.12% | 4.56% | 5.53% | +834 bps | |
| Loan Growth (YoY) | 1.06% | 1.19% | -0.59% | 0.74% | 0.56% | 4.93% | 4.30% | 0.35% | -39 bps | |
| Deposit Growth (YoY) | 8.72% | -1.00% | -1.99% | -4.04% | 0.09% | 3.06% | 4.69% | 5.43% | +947 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.04% | 0.03% | 0.01% | 0.01% | 0.00% | 0.02% | 0.01% | -1 bps | |
| Allowance / Loans | 1.59% | 1.64% | 1.66% | 1.66% | 1.65% | 1.66% | 1.68% | 1.73% | +7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.45% | 13.95% | 14.38% | 13.89% | 14.10% | 13.62% | 14.07% | 14.62% | +73 bps | |
| Equity / Assets | 8.58% | 8.78% | 9.07% | 8.93% | 9.32% | 8.94% | 9.11% | 9.17% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.89% | 71.47% | 72.07% | 72.11% | 74.23% | 72.77% | 71.80% | 68.63% | -348 bps | |
| Liquid Assets / Assets | 5.17% | 3.21% | 2.52% | 2.21% | 2.22% | 1.68% | 1.77% | 1.74% | -47 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |